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What we will do
Company incorporation and opening a corporate bank account take 15 days each to complete.
Preparing a detailed business plan takes up to 15 days to complete.
Injecting capital into the business and collecting documents takes 30 days to complete.
Filing and reviewing the application and obtaining RBI feedback takes about 30 days to complete.
First-level approval by RBI, reflecting successful evaluation and taking the process forward, takes 15 days to complete.
Capital adequacy planning for NBFCs helps non-banking financial companies maintain the mandated CAR set by the Reserve Bank of India. Our strategic planning allows NBFC entities to remain financially stable even during economic instability. It also equips them to mitigate and reduce non-performing assets (NPAs).
Our experts will assess and mitigate the risk, maintain financial stability through careful planning aligned with the RBI compliance rules. Our legal associates will continually monitor NBFC laws to ensure alignment with the RBI’s policies.
At DrNBFC, we provide comprehensive assistance with all mandatory RBI and statutory documentation, helping you ensure full compliance. Our credit analysts also guide you in maintaining the required capital adequacy ratio (CAR), supporting your ongoing regulatory alignment with the central banking authority of India.
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Discover the benefits of capital adequacy and capital planning for NBFC, including financial confidence, compliance, risk mitigation, healthy creditworthiness, and scalability in the market.
The Capital Adequacy Ratio (CRAR) is a strong indication of the NBFC’s financial strength, assuring investors, customers, and stakeholders that the company can withstand risks such as economic fluctuations. A financially stable NBFC can handle downturns confidently, ensuring long-term sustainability.
According to the Reserve Bank of India (RBI) guidelines, all NBFCs must maintain a Capital Adequacy Ratio (CAR/CRAR) between 9% and 15%, depending on their type. Failure to comply can lead to penalties or even registration cancellation. Maintaining a healthy ratio demonstrates regulatory adherence and responsible financial management.
With the increasing presence of SMEs and MSMEs in India’s diverse economy, a robust capital adequacy framework enables NBFCs to mitigate risks effectively. Maintaining sufficient capital ensures operational stability even in the face of rising non-performing assets (NPAs) or market volatility.
An NBFC with a strong capital adequacy ratio can expand its lending capacity, offer credit to more borrowers, and qualify for additional licenses from the RBI. This fosters economic growth by facilitating credit access for entrepreneurs and small businesses.
NBFCs with a high CRAR are more appealing to investors due to their financial resilience and lower risk profile. A solid capital structure reflects efficient management and opens avenues for collaborations with fintech companies, driving business expansion and innovation.
Whether you’re a newly established entity, an existing NBFC, or a business seeking NBFC registration, you’re going to need proper DrNBFC’s assistance for capital adequacy and capital planning for NBFC.
Are you seeking a conventional lending NBFC or MFI registration? If yes, then the CRAR assessment with us will be your gateway to final approval with the RBI.
Scroll down and find out the process of capital adequacy planning for NBFCs with DrNBFC:
To evaluate your capital availability and financial safety, we analyze your business plan, financial statements, balance sheets, profit & loss statements, and expense reports to conduct credit, market, operational, and related financial risk assessments.
Our financial forensic consultants assist in conducting a comprehensive risk assessment to identify potential problem areas. Detailed scrutiny of non-performing assets and market trend analysis provides a clear view of your NBFC’s current and future financial stability under economic stress.
We perform stress testing to evaluate its impact on your NBFC’s capital adequacy and help determine the amount of capital required to handle potential financial downturns and losses effectively.
Based on your 3–5 year business plan, we project capital requirements for the upcoming years and ensure your business objectives are aligned with your capitalization strategy.
We prepare detailed CRAR reports based on findings and projections through the Internal Capital Adequacy Assessment Process (ICAAP), ensuring compliance with RBI annual filing requirements and transparency with investors.
After completing the assessment, the report is submitted to your Board of Directors for review and approval. We ensure your board is well-informed about all risks and capital adequacy aspects before finalization.
Contact DrNBFC and get the best solutions for capital adequacy and capital planning for NBFC. Ensure your promoters that you’re in the game, safeguard the interests of your depositors & investors, and strengthen your own confidence in the consumer market.
The capital adequacy planning is an ongoing process, and it is required before and after you register yourself as an NBFC entity with the Reserve Bank of India, so join hands with us and establish a buffer to absorb operational losses in case of economic downturn.
Given below are the minimum NOF requirements for NBFCs in India-
Given below are the documents that will be required to conduct a risk assessment for capital adequacy planning for NBFCs:
If your company doesn’t have the minimum net owned fund during the application process, then the RBI won’t grant you the certificate of registration to operate as a non-banking financial company (NBFC).
In case you don’t maintain adequate capital post-registration, then the Reserve Bank of India will cancel your registration to provide lending and financing services. Take finance infusion guidance from DrNBFC to get ahead of your capital adequacy planning for NBFCs.
With our strategic planning expertise, you can secure your company’s long-term growth even during uncertain times. We provide tailored solutions to help you align business goals with expansion objectives, ensuring sustainable and scalable progress.
DrNBFC’s financial analysts conduct periodic assessments and stress tests to prepare your NBFC for any financial challenges. We identify potential risk areas and recommend corrective actions against high-risk non-performing assets (NPAs) to maintain financial health.
We ensure complete adherence to the latest RBI guidelines across capital adequacy, risk management, and internal governance policies. Our compliance experts manage these requirements on your behalf, minimizing the risk of regulatory non-compliance.
Our legal researchers and compliance specialists continuously monitor RBI regulations and financial legislation in real time. In case of any changes to capital adequacy norms, we provide timely updates, reports, and policy implementation plans to keep your governance aligned with current laws.
We assist in filing mandatory CAR/CRAR annual returns to the Reserve Bank of India and other regulatory authorities. Our team also helps maintain accurate records, ensuring you are fully prepared for any audits or government inspections.
With over 200+ financial analysts, DrNBFC is one of the most trusted compliance partners for capital adequacy planning for NBFCs. We offer comprehensive solutions to ensure your NBFC maintains financial stability, regulatory compliance, and sustainable growth.
With the assistance of our strategic planning services, you can ensure the long-term growth of your company even in unpredictable times. Our tailored solutions help address your business planning and expansion objectives effectively.
DrNBFC’s financial analysts conduct periodic assessments and stress tests to prepare your company for any financial challenges. We identify potential risk areas and advise on corrective measures against high-risk non-performing assets (NPAs) to maintain financial stability.
We ensure all updated RBI guidelines are incorporated into your capital adequacy, risk-management, and internal governance policies. Our compliance associates manage these obligations on your behalf, reducing the risk of non-compliance.
Our legal researchers and compliance specialists monitor RBI regulations and financial legislation in real time. Any changes to capital adequacy rules are promptly communicated through regular updates, reports, and policy implementation plans, keeping your governance aligned with current laws.
We assist in submitting mandatory CAR/CRAR annual returns to the Reserve Bank of India and other regulatory authorities. Additionally, we help maintain accurate records to ensure full preparedness for any inspections or audits by government agencies.
Being one of India’s top-most compliance service providers, we’ve an experience of more than 10 years in providing expert financial guidance for non-banking financial companies. Below are key reasons why you should trust DrNBFC for capital adequacy planning for NBFCs:
Yes, as a part of your ongoing compliance, you must maintain at least a 15% capital to risk-weighted assets ratio (CRAR) in accordance with the Reserve Bank of India, as per your NBFC type.
Capital adequacy and capital planning for NBFC include maintenance of the minimum capital-to-risk-weighted assets ratio (CRAR), establishment of risk assessment systems, strategies for business expansion, and enhancement of investor confidence.
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